How Much SCHD to Live off Dividends? (Retire on SCHD)

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In this video, I show you exactly how much you would have to invest in order to live off of SCHD dividends. SCHD is my favorite dividend ETF. My personal investing goal is to one day live off of dividend income, and this in depth analysis uses a financial model to find the exact amount it would take.
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I am not a Financial advisor or licensed professional. Nothing I say or produce on KZbin, or anywhere else, should be considered as advice. All content is for educational purposes only. I am not responsible for any financial losses or gains. Invest and trade at your own risk. Some of the links in the description may be affiliate links.

[@Dividendology]

Link to download my spreadsheets: tickerdata.com/ Get a huge discount on Seeking Alpha Premium! www.sahg6dtr.com/9D5QH2/R74QP/ Join my free monthly newsletter! dividendology.substack.com/

[@francini5671]

It says 14 days free then $239/year. It’s not 58% off. Is something wrong with the link?

[@micahavignone3044]

This link is not 58% off, rather 30% off.

[@thomaskrutulis2289]

I’d love to see more samples for ppl in diff situations. Say starting points of 10k 25k 50k 100k and/or diff monthly contributions from 500 to 3k a month. I think your viewers minds would be blown to see how drastically different n shorter goals could be met with slightly different stats.

[@Dividendology]

Great idea!!

[@mattseverance8176]

This is a great idea!!!

[@TALLXXL]

Thanks for pointing that out. Homie

[@uriel9904]

Ask chatgpt lol

[@elonmusk9935]

You can use a Monte Carlo simulator so get you within a ball park range.

[@Melanie9908]

SCHD is my second largest holding after VOO.

[@matthewszasz1895]

I'm glad I went back to rewatch this video. It is rare to find one doing the math of compounding interest along with DCA into the position to actually show reality. DCA vs lump sum investing is a key difference in modeling retirement out. Thank you for the great content.

[@Dividendology]

You are welcome!

[@billted3323]

if you have 1.6 mil in the bank after 30 years then you already rich. No need for dividends

[@coreyburke3493]

​@@billted3323dividends mean you don't have to sell your stocks to live. Living off the dividends mean you can never run out of money.

[@billted3323]

@@coreyburke3493 The business can go bankrupt or they can cut the dividend .

[@doejohnson6541]

SCHD is a great ETF, I only just discovered it, but I'm making it my #1 investment right now

[@ewlinitis]

You still need a few other ETFs to balance out your portfolio. Best of luck

[@evank27]

DGRO

[@mikechung7757]

SCHD is better than QYLD?

[@evank27]

@@mikechung7757 yesss!

[@Jeffdachefz]

@@mikechung7757 depends on your goals, If you want growing net worth and growing dividend payouts then SCHD is massively better. If you want fast immediate monthly cash but risk or shrinking dividend payouts and massively lower share price, then QYLD is better. Keep in mind that QYLD is taxed at ordinary income while SCHD is at qualified dividends rate so even if you get paid higher, you are owing uncle sam just as much. IMO SCHD shits on qyld.

[@karboxylose63]

It's either you have time to compound or you have a huge saving ready and you start now. Very good spreadsheet which highlight the balance between time and initial captial

[@BrntVanilla]

i love this, but to be honest, i think it should be around 7% price growth IF we're lucky. dividends will most likely be capped eventually too, but what can offset and help us reach our goal faster is i presume over time, the financially savvy individual will make more and can contribute more than $1k later on

[@michellefanter4671]

That's the issues with these videos. They make some insane assumptions. I don't see where he accounts for taxes. I think a more realistic assumption should be 5% growth(inflation adjusted) and a yield of 2.5% over the span of anything over 15 years.

[@novelitos999]

Great video. You nailed what most you tuber get wrong. You project out what you need for the future, rather than just throwing out a lump sum. Awesome!

[@josephsaeteurn9158]

other youtubers are calculating to live off dividends at current time.. not 20-30 years later.. i will need 1.3M if i want it today..

[@AshAragam]

Exellent video and points!! Thank you for the video and the education. 🙏

[@Dividendology]

Glad it was helpful!

[@jaybrizzy820]

honestly, i wished i watched this video last year before starting investing. the way you showed how not to calculate dividends is how i thought it was calculated. im happy to see that isn't the case. Having a dividend portfolio along with a growth portfolio would be an awesome combo for the future.

[@Dividendology]

Well I’m glad you stumbled upon it now!

[@numberoneappgames]

Time is really the best friend of compound interest. Loved your spread sheet and its 30-year projection!

[@Dividendology]

It really is! And thank you!

[@hr2079]

Thank you bud for sharing

[@MysticBoltz]

Clean excel chart. You are a certified finance bro

[@Dividendology]

The highest honor I could ever achieve

[@Dividendology]

looking back, this is probably my favorite comment I've ever gotten

[@DarrenJacksonFH]

I love this. The end lol.

[@muskratjoel]

Great video

[@juanma6788]

Very valuable information!

[@Dividendology]

Glad you think so!

[@michaelgardner5843]

I love videos like this! I’d love to see you do this with SVOL and JEPQ

[@Dividendology]

great idea!

[@faaaauuuukyou]

The calculator is fubar. Downloaded it, values are misrepresented in the video =(

[@Steven_H_Blackmore]

Excellent video! I am new to dividend investing and have chosen to invest monthly into SCHD. After watching this I feel even more excited and optimistic about that choice.

[@Dividendology]

Great to hear!

[@user-bm6wu9zw9m]

SCHD for the win 💵

[@evoluzer]

Thanks for the Video. Could you do one with International stocks?

[@ProWhitaker]

Excellent, thanks for the video

[@Dividendology]

Glad you liked it!

[@thenextstep724]

Loved the video! Only thing I’m curious about is why the monthly expenses wasn’t exponential?

[@jahzlovesouljah]

Awesome video I'd like to know how long will it take for the dividend to pay for the 1000 monthly investment after initially watching over it..

[@TravelsoFun]

New subscriber here. Great explanation, great chart. Love it.❤❤❤

[@Dividendology]

Awesome! Thank you!

[@winterheat]

For inflation, won’t you need to use CPI from 1990 to 2018 or try 1970 to 2018, and then use 1970 to 2023? Would it be more like 3.5% ?

[@d.a3474]

Awesome content! Thanks

[@jchanli2247]

I agree

[@d.a3474]

👍👍

[@b.vasquezrio6206]

I know

[@williampope3503]

Tbh it's probably quicker, as contributions are likely to rise annually as well by at least a few percent. Nice job.

[@josephlance9262]

11% is a very generous return to assume for the next 20 years

[@shannoncargo468]

Great video sir

[@Dividendology]

Thanks!

[@fireonhair]

ill be alocating all my money to this etf

[@brushfire]

Great information & very clear explanation of the power of SCHD. Keep up the good work!

[@Dividendology]

Thanks a lot!

[@brushfire]

@@Dividendology Of course! :)

[@saplouie]

Most of the growth in dividends and yields were from the increase in stock price and the high interest environment. It doesn't make sense to say dividends will continue to grow, mathematically. I don't have your models downloaded, but from the screens I see, that would mean in year 20, the SCHD dividend yield would be 4.3% and would continually increase to 4.7% in year 30. That does not make sense at all. The yield has never been over 4.3% and that was for 1 month. I think using something like the average SCHD yield would make a lot more sense.

[@thecapone45]

2:30. I never knew of this little formula. Wow! I know it’s the “wrong” way to do it, but this whole time I’ve been calculating what I would want to earn a month, compare it to a stock, calculate what if I had X amount of shares and the dividend and what that would be a year, divide it by 12, and then that’s how I’d see how kuxh I could earn in a month. Wow. If only I learned this sooner!

[@dunny1479]

This is great. I've been looking for a dividend calculator like this. Along with your other sheets to keep track of it all. I'll be starting at 0 and adding 10k+ month till I reach 2500 to 4000 a month in dividend payments. I've been able to put myself in a financial position to save 95% to 90% of my earned income. I also learned how to use high leverage for very short periods of time to make massive moves very quickly. VIP financial teaches this with his paycheck parking method and debt weapons. Anyways thank you for your time and effort, this is great value.

[@anniesshenanigans3815]

Save 10k a month to earn 4k a month "someday"?. People lost their common sense

[@allanwatts8361]

@@anniesshenanigans3815 he's prostituting on the side....sugar baby lifestyle

[@praspat910]

Great video ! could you do similar video for DGRO ?

[@louie2470]

Great analysis. Thanks for the spreadsheet. But, can you please include what dividend payment available after taxes. Of course, it depends on what tax bracket you are. The higher the taxes your pay (state and federal) can significantly reduce your amount available to spend. Would it be more advantageous if you buy growth stock companies and then sell stock when you need it, and pay lower taxes (i.e, longterm capital gain taxes)? Can you please do a video on this. Thanks.

[@donaldlyons17]

Yeah but also important is the real rate of return. Truth is the percentage likely makes a difference and that is not even factoring in taxes!!

[@felipearteaga7300]

Great comment, he's missing the taxes, that can totally change the results

[@ajones363]

Per the SCHD website, as of 2022, 100% of dividends that are provided from SCHD are considered qualified dividends, therefore it would be taxed at the same rate as a long-term capital gain. The only question you have to answer is - Would you rather sell your stock, losing the value forever, or get dividends while leaving the principal alone.

[@theowenssailingdiary5239]

When companies pay dividends you DO lose that 'principal' straight off the share price-and you lose it forever. Its the same as selling a set number of shares every month/quarter or whatever. Of course, what I like about schd are the companies within it-good solid boring companies (mostly). @@ajones363

[@tripjj8662]

you're a genius

[@d.p.6940]

I think you meant to say that the expense ratio is 0.06%, not 0.6%? Big difference. With that said however I want you to know that you are doing a fantastic job.

[@Dividendology]

you are correct! .06% expense ratio.

[@fireonhair]

wow thats incredible

[@trappart9209]

Thank you! Could you explain please why did you assume that dividends will keep growing for decades and price will grow at this rate as well?

[@Quantris]

this is just a tangent to the main point of the vid, but: so when you compute average rate of return, it is not correct to add up percentages and do a linear average what you should do is take the geometric mean. or in other words, take the total return and rescale it to a yearly return as if it was compounding. that gives you the constant value that when assumed, results in the same total return over that period. so for example where you had 166.55% total return over 10 years, rescale this to (1 + 1.6655)^(1/10) = 1.103, or 10.3% return per year. If you compound 10.3% per year for 10 years you'll end up with 166.55%

[@KingWut]

One you hit the point that dividends pay your monthly expenses, that 6k is no longer being re-invested it’s now covering your living expenses

[@baritono81]

Great analysis im watching this etf. Two quick points, i do not think 12% growth rate on dividend is realistic esp because it hasn't even been in existence long enough to project ahead that far. Maybe 8 or 9% growth would be my hope. Also it does not pay monthly so an income investor could not practically live off this one fund alone. But i think it work well with other income stocks. Thank you for the video!!

[@donaldlyons17]

That would all depend right? Like if the person living off it was using last years money for the current years living?

[@richardmenz3257]

I would assume people that invest regular will be able to spend quarterly founds without going over, but yeah the growth market listed is insane.

[@BudgetingTheBacon]

Very nice breakdown of SCHD and how long it really takes to live off the dividends. If someone starts early enough 22 years does not seem that long and can be set for quite some time, especially if they start young (say 21 years old). Time really can work in your favor along with consistency. Great video!

[@jeremymeyer5552]

Yes if you have a career and can keep a job and have a savings account and stocks so you dont have to pull your dividends easy money.

[@Cat1500fish]

@@jeremymeyer5552 I’m 21 and about to graduate college, and just started my dividend journey. Really looking forward to it!!

[@dneroaddiction]

@@Cat1500fishWhich stock did you start with if you don’t mind me asking, same age here

[@Cat1500fish]

@@dneroaddiction currently have about 1300$ mixed into Home Depot, CVS, Pfizer, RTX, Caterpillar, SCHD, KRC and MO I got my first dividends this month looking forward to the journey! Hope this helps! But I believe the first stock I bought was caterpillar!

[@davidmjohn3194]

Thank you

[@o0usf0o]

I’d love a copy of this spreadsheet if you have a link!

[@Dividendology]

You can download it on my patreon page!

[@specsbundy1392]

can you redo video taking into account income taxes .. if these are the net amounts then the figure is not actually accurate , correct ?

[@CookieMonster-we1in]

Ok so heres the top question, what about taxes at the end of the year?

[@donaldlyons17]

Well and there is also the question of what happens if cost rise per month on average. For example, when I first started renting in 2009, I got a two bedroom for $400 but by 2013 it cost $640 and now 2023 last I checked it was $740. So, all else being equal housing cost $340 per month more so that suggest to me assuming the same amount is required to pay month bills over 20 years might not be realistic... Personally, I would put the number for 2X what I think I currently need to account for that issue.

[@VinnyLogz]

Which is regarded as the most profitable dividend ETF if kept for the longterm??

[@KeaganLegit]

This is perfect cause I'm planning to invest over 30-50k a year for the next 4-5 years to retire by 30

[@aleccozi6458]

Great video! Although it doesn't consider something crucial. TAXES!

[@Dividendology]

Utilize a tax deferred retirement account!

[@donglong2902]

it would be nice to compare to a standard, i.e. SPY plus dividend and expernse ratio

[@Dividendology]

Good idea!

[@whp777]

As opposed to number of people on here sucking up saying "great job.. love the answer to your question", as a person about to enter retirement the answer to your title question was wrong. The question should have been - how many years do you have to save to retire on dividends from SCHD? Because in the end you said a lot of people are wrong about how much they need - but that was incorrect too. You were right showing the first graph showing 1.3 million being needed.. and 99% of people can't accomplish that, if retiring today.

[@jimmymcgill5572]

if you had $300k right now and wanted to begin taking dividend payments to live off, would you put it all in schd or what would you do?

[@sergiofranco7460]

The Schwab U.S. Dividend Equity ETF (SCHD) is still having a rough go of it in 2023. Its -2.3% year-to-date return and as last year was also negative. My current retirement objective is to get permanent cash from dividends, so this is not a good choice for me. Looks like this year someone in Schwab made a bad reconstitution of stocks that made the performance worst, so you end depending also on how in Schwab this is done and if they screw up they are make sure in the contract that are not accountable. Schwab will have to be serious about reconstitution of stocks and earn our trust.

[@AdatheTraveler]

Great info! It would be interesting to see how much lump sum do we need to achieve that goal instead of investing monthly ☺

[@Dividendology]

Great suggestion!

[@thesheepthemightythecrazy]

just look at the total value. it is 1.7 mil. that is when he could live off of the dividends. 1.7m = 6k per month. if you need less than 7k, you just find the lower number on his chart. I have to account for my tax, so I need 20% higher. If you don't have the money, you just got to put in the time and invest monthly till you hit the 1.7m mark.

[@josephsaeteurn9158]

@@thesheepthemightythecrazy exactly... living off dividends requires a shit ton of up front money or invest and wait 25 years..

[@thesheepthemightythecrazy]

@@josephsaeteurn9158 From his newer video. If you start with 100k and put in 2.5k every month. You could achieve the goal in 13 to 15 years, depending on the equity market.

[@dtkodak123]

Can you do a similar video with JEPI? I know a lot of people love that fund as well.

[@Dividendology]

Will do!!

[@thomaskrutulis2289]

@@Dividendology and different start points. Say a 10k start and 2k monthly’s. Some variables for ppl with other bank rolls.

[@teleioswi2993]

SCHD IS 80% of my portfolio. Been buying every time it goes on sale for the last year.

[@yelnatsch517]

Finally a video that accounts for inflation in cost of living. I’m so tired of seeing videos of people thinking dividends 30 years in the future is equivalent to the same NPV now. The main issue though that still isn’t addressed is this. Who is okay with $48k/year retirement, but also has an extra $1k/month to put into an ETF? The two seem mutually exclusive. Anyone who has a spare $1k/ month to put into an ETF would probably expect at least $100k/yr retirement.

[@RicardoAbritta737]

Excellent job!! How can I download this calculator sheet please. The current link triggers the malware protection of the antivirus.

[@Dividendology]

Thanks! The website is completely safe. You may need to allow your antivirus to reach Tickerdata.com or turn it off while you visit the website.

[@ckoeritz]

The 3.56% yield isn’t per month/quarter, it is 3.56% for the year (need to divide by 12 or 4 respectively). This makes a big change to the spreadsheet. It also pays quarterly instead of monthly, which will also have an impact.

[@Dividendology]

The spreadsheet is correct! It account for the things you mentioned.

[@dariorocha6006]

I'm not sure if advertising a yield of 12% and 11% as maintainable over 30 years. Would be more realistic if you gave silently lower percentages to be more conservative 👍🏼

[@mikegiddens9694]

He's not advertising that as a yield. The yield at the time of this video is 3.56%, now it's 3.76%. The 11% or 12% was the increase every year he was talking about.

[@K_Villain_]

Stacking the S’s SATS & SCHD

[@LifelsGreat]

Let’s go bro as many as we can 🔥

[@Berniz123]

Wouldn't VOO/qqq have faster growth over the 20 years though? And once we hit that dividend portfolio value we can sell and jump into SCHD to claim more dividends once we already want the dividends for our retirement?

[@charlielipthratt7291]

Unless you're using a Roth account, you will have a very large tax bill selling enough voo/qqqm to have enough cash to buy the shares needed to fund your monthly bills.

[@diamondswiper]

you're gonn have a high tax bill either way considering dividends are taxed out the wazoo@@charlielipthratt7291

[@magikarplore4941]

Dividend growth rate seems a bit optimistic. Basing this off the last 10 years is sort of not good since the last 10 years has been amazing. Not to mention there is a cap on how much dividend can be.

[@PurposeTravel]

and taxes. We forgot taxes.

[@charlielipthratt7291]

Now I have to go look up what's the cap! 😅

[@ocuevas]

@@PurposeTravelDo this in a Roth

[@josephsaeteurn9158]

@@ocuevas how? you need at least 12K a year in contribution.. its 1K a month..

[@ocuevas]

@@josephsaeteurn9158 my comment was towards the individual who said you'd have to pay taxes. All dividends in a roth are tax free

[@aaronucsd]

Just curious atm, why not online CD when you can get 5.25%+ in interest guaranteed?

[@ben3989]

11% is pretty bold imo.

[@JCCWM]

The average monthly payment from dividends in 22 years is in today dollars, right? Or is that adjusted for inflation? Just wonder if it’s accurate to compare your current financial needs with a number you’re expecting to see in several years from now.

[@pauly5502]

What about income tax on that dividend payout each month? 4k per mo is not 4k per mo after tax

[@tripjj8662]

How does this work? When you want to start living off dividend rather than reinvest do you have the option to take the dividend monthly or do they automatically reinvest the dividends?

[@ya-boyrookus7516]

You turn off reinvestment and receive payments quarterly.

[@redic3408]

Great video and I love how reinvesting dividend can help grow over time. However, this doesn't account for taxes that are required every year based on those dividend payments. Not much of an issue when your first growing your portfolio but will become harder as the profits grow. Would love to see another video accounting for separating the 15% taxes and reinvesting the difference. If there's a way to avoid paying taxes by reinvesting or a special account that can be used would be a great addition to add.

[@Dividendology]

Ture, but hopefully most are utilizing a tax deferred retirement account. I'll update the model soon to account for taxes in case some need that.

[@michaelswami]

Put it in a Roth IRA problem solved. Only issue is the monthly amount currently can’t be 1000 per month. Maybe a combo of Roth and Brokerage. I’m not a fan of tax deferred, which miraculously turns capital gains and tax favored dividends into ordinary income.

[@redic3408]

@@michaelswami I have a Roth IRA issue is max contribution is $6500 for the year in this example he’s using $12k per year. Honestly, I would probably save the dividends in a brokerage because I would rather have the money while I’m young and can enjoy it vs having to wait until 60 to start living.

[@michaelswami]

@@redic3408 I noted that above.

[@invisiblespirit1744]

​@@Dividendology Hi) Can you tell please if it was added somewhere? Yesterday I subscribed to Patreon and haven't seen this functionality :(

[@lawfirmbersani]

When an updated Investor Tool kit with more ETF? It would be great to add famous dividends etf traded in europe (as we don’t have access to all US ETFs )

[@Dividendology]

I’m working on that update :)

[@Pastorjasoncox]

Sounds good, but there's a monthly dividend payout quarter , every 3 months and a yearly.

[@chancecooper9246]

I currently have 550 shares in SCHD and I’ll drop 2000 per month over next 12 months in SCHD. Then I’ll throttle down to 1000 a month. I’m playing catchup. I invested in real estate for a long time. Now I’m into stocks/ETFs.

[@macrosales4438]

Can you do one on the stock that does good or stocks that do good when the economy is in a recession just like 2008 I mean technically we’re not over the 2008 recession it takes around 30 to 38 years they said, or something like thatduring a recession

[@alessandroanderlucci]

Can you add the tax calculation for the dividend you receive?

[@mmmd3429]

Taxes for qualified dividends?

[@viktorwolfe8333]

The point of the video is that with steady payments into good ETFs like SCHD and JEPI, then you could live off dividends in about 20-25 years. If you don't want to wait that long, then you can reap some of those dividends in 10-15 years with some extra spending cash.

[@mmmd3429]

I'd ramp up the monthly investment amount to reach the goal of just living off of dividends faster.

[@josephsaeteurn9158]

@@mmmd3429 not everyone have that luxury.. contributing $1K a month is a lot for many investors. i dont want to eat cup of noodles for 20 years..

[@ReanimatedShad0w]

Before I contribute to buy the excel sheet. Is there a way to input the balance you’re starting out? Example, you start out with 50k and then contribute monthly from there

[@Dividendology]

Yes!

[@ghosthin3012]

The only problem is we can't assume the dividend growth rate is unlimited. They were 12% in the past but can't be realistically stay at 12% forever because it would at some point, turn the dividend yield to 100% and beyond. I am much rather to be conservative and assume no growth so that if there is, I could retire even earlier.

[@GeneralJam99]

3:40 how is there this much dividend growth? Isn't it more like 1.8%?

[@zaleafreestone1915]

Hi there ! I am a 21 year old new to investing and was hoping you could help me out How much would I need to contribute each month in this scenario ?

[@Ali.hz85]

Hey, Great video! Can I buy just the spreedsheet ?

[@Dividendology]

Available for download on my patreon only!

[@guzzi95]

Be sure and mention this works if you have several years to wait for things to do well. And you are out of debt.

[@user-bz5io6ph8w]

how can i get a calculator like this to play with the numbers?

[@Dividendology]

You can download it on my patreon page! Link in the description!

[@ImwithKyle]

I don't get it, how do companies pay dividends? Its like free money? Im such a newb

[@budweizer100]

Hi. I've recently come across your channel and it's quickly becoming one of my favourite! I love your spreadsheets and was wondering if your Intrinsic Value sheet is available in Excel (as I don't have a Mac).

[@Dividendology]

Thank you! And You don’t have to have Mac to use it. As long as you have a google account, you can use it on google sheets! Google sheets is completely free for anyone with a google account. The sheets are created to work much better in google sheets and will be much more automated. Hope that helps!

[@budweizer100]

@@Dividendology Fantastic! Consider me your newest Patreon member!

[@k44457]

Is there a Canadian equivalent?

[@PhillipLearnTeach]

I wonder if OMFL is truly better than SCHD or JEPI

[@gab-bm4ez]

dont you have to pay taxes on dividend in america?

[@StevenCovey-ct3sx]

The nice thing about this is that I am able to invest a mix of $1,400,000 now in SCHD and O. A mix of the two will allow for 4.5% of income off the dividends with some decent growth over time.

[@CodenameCrystal]

I have my Roth IRA with VTI, and have SCHD in a traditional brokerage. Does it make sense to have a dividend portfolio in a brokerage account or should I put it in my ROTH?

[@ImwithKyle]

What do you think about SDIV dividend? It seems too good to be true. $2.55/share at $21.40 per share. So 1 million invested would be $9,929 per month. Am I getting that wrong?

[@balo1512]

This model sounds quite optimistic.

[@magicmanticore3536]

What about taxes?

[@Midwestplayers]

Wont you have to pay taxes on those payouts?

[@Mr_smart_cat]

Are the calculations correct? Why account value increase > monthly div + monthly contribution?

[@Dividendology]

Yes. share price appreciation

[@404thtrooper]

Doesn't it make sense to go growth first then switch to divvies gradually as you get closer to retirement? Or do your calculations equal the growth of say VOO?

[@MistahToast]

I was thinking the same actually!

[@charlielipthratt7291]

If you're not using a Roth, you'll have a huge tax bill selling voo and qqq to generate the cash needed to buy enough shares of SCHD.

[@404thtrooper]

@@charlielipthratt7291 good point

[@jpabadir]

Great vid but small mistake at 7:05, you say “year” instead of “month”

[@golightly9281]

Do you have a UK equivalent recommendation please... Schd is not available here! 😩

[@AlejandroGarcia_O]

You can invest in SCHD through Etoro in the UK

[@user-rg4le6vk2g]

Question? If you’re reinvesting your dividends, how are you living off your dividends?

[@Dividendology]

Reinvest dividends until you have the ability to live off dividends.